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Comparison

Side-by-side payments and cash to close

Lowest monthly: Assumable Loan

Total monthly

Payment stack including taxes, insurance, and HOA

Cash to close

Down payment / equity bring-to

Detail
Assumable Loan
Assumable · FHA
Assumable Loan + Second
Assumable · FHA
Current Market Conventional
New · Conventional
Loan amount$182,322$182,322$585,000
Remaining term (yrs)16.216.230.0
Secondary amount$0$402,678$0
Funding fee$0$0$0
Note rate3.25%3.25%7.11%
Blended rate4.1%6.612%7.35%
1st payment$1,200.08$1,200.08$3,935.33
2nd payment$0.00$2,600.63$0.00
Taxes / mo$352.50$352.50$352.50
Insurance / mo$166.67$166.67$166.67
MI / mo$195.32$195.32$117.00
HOA / mo$0.00$0.00$0.00
Total monthly$1,914.57$4,515.20$4,571.50
Cash to close$467,678$65,000$65,000